Facts

FACTS, RISKS AND POLICIES COLLECTORS AND INVESTORS SHOULD KNOW

DIVERSIFICATION: We recommend that coins and bullion be part of a diversified investment portfolio. We believe that coins and bullion are appropriate for 5% to 20% of a portfolio. (If you choose to invest more than this recommended amount, you should first consult your independent financial advisor before proceeding with your acquisitions.) Certain individuals or organizations may recommend a different percentage.

HOLDING PERIOD: If you are purchasingcoins or bullion for investment purposes, they should be considered a long-term investment. We believe that coins and bullion should be held for at least 3 to 5 years and, preferably, 5 to 10 years to maximize your potential for gains. Any specific holding period may be affected by current market conditions which may require a longer or shorter holding period.

DELIVERY: All packages shipped to our clients are insured (shipments of less than $1,000 are self-insured by Integrity CME). Your acquisitions will be delivered within 28 days of payment of good funds (unless your State requires a different delivery period). If a shipment is lost or damaged, at Integrity CME option, we will either replace the items or refund your purchase price.Please inspect the shipment thoroughly upon receipt to ensure you have received your order and that the items track the description on your delivery invoice. Any variance from your order must be reported within (5) days of receipt of your shipment and you must have all original packing materials intact.

STORAGE: Integrity CME stores client holdings in a depository of its choice and may change depositories without prior notice. Integrity CME may co-mingle your holdings with those of other clients and acknowledges that you own a specific, but undivided interest in such holdings to the extent of the quantity and type you have purchased. A fee is charged for storage. Details and limitations can be found in Integrity CME Account and Storage Agreement

BULLION PURCHASES: Bullion, including bars, rounds and coins, may only be acquired with bank wire or cashier's check (dollar limits may apply to certain payment options). Integrity CME will only provide a firm price for your purchase upon receipt and verification of funds and receipt of a signed Account and Storage Agreement. Prior to confirmation of your purchase, an Integrity CME representative may discuss other products which carry a higher spread.

GROWTH PROJECTIONS: Integrity CME may advise clients about forecasts made by members of our staff or third parties regarding the future prices of precious metals or the products sold by Integrity CME. In making those projections, Integrity CME staff members will normally consider the following factors:

1. Past performance: While past performance is a useful guide, it is not a guarantee of future results. We frequently assume that if rare coins or bullion made gains under certain economic conditions in the past, they have the potential to appreciate when similar conditions exist in the future.
2. Economic forecasts: It is impossible to predict future price trends or economic conditions. However, we apply research, common sense, and logic in an effort to forecast future trends. We believe these trends are a useful guide in evaluating the future potential for rare coins and bullion.
3. Supply and demand: We believe that fundamental market forces will generally prevail. Therefore, we take into consideration changing supply and demand factors and our expectation of future trends of supply and demand.